Date Received: 2020-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH ( formerly Ocwen ) has systemically and deliberately violated the California Homeowners Bill of Rights consistently during my loan modification process I am a owner occupied home owner - my family ( including my XXXX child ) live in our home thus the loss of my home via PHH 's illegal foreclosure would cause myself and my family irreparable harm and certain XXXX. PHH has maintained an active foreclosure date during the loan modification application process which is in direct violation of the Homeowners Bill of Rights - I have had a Trustee 's sale date hanging over my head which is bad faith business dealings and has cause emotional duress to me and my family. PHH has failed to credit payments and wrongfully charged me add-on products without my consent - insurance and escrow account - which has added to my loan balance. I have not be provided with an written itemization of said unauthorized charges after repeated requests. I notified PHH in writing ( within 5 days ) that the trial period plan payment was too high - based on my income documentation which I submitted to PHH via the loan modification application ; trial period plan payment exceeded my monthly income. PHH has not responded and the foreclosure date is still set for XX/XX/2020. I want to keep my home and will not lose it. I would prefer to work out an affordable loan modification payment as this is exactly what the intent of the Homeowners Bill of Rights was designed for. However, if this is not possible, I will bring legal action against PHH to protect my home and my family..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I mailed my XXXX School tax bill for my VA mortgage to PHH Mortgages Services for them to pay the tax bill in the discount period ( in the amount of {$1000.00} ) from my required escrow account. The payment was due on or before XX/XX/XXXX. On XX/XX/XXXX, the mortgage servicing on the loan was sold to XXXX XXXX XXXX. On XX/XX/XXXX, I was notified by my county tax claim bureau that the XXXX tax bill was never paid by PHH Mortgage Services and now was delinquent and additional penalties, interest and fees were now due ( the new bill is now due in the amount of {$1100.00} ). I immediately contacted PHH Mortgage Services and asked why the bill had not been paid and complained that due to their failure to properly service the loan, additional penalties, interest and fees were now due, in the amount of {$150.00}. The response from PHH Mortgage Services customer service person was that they no longer serviced the loan and they had no responsibility for anything. I pointed out that due to their failure to properly service the loan, I was being financially penalized. As a XXXX, XXXX veteran, the {$150.00} penalty is something that I can ill afford. They told me to contact the new servicer, XXXX XXXX XXXX. However, XXXX XXXX XXXX did not service the loan at that time and they did not pay the bill either. PHH Mortgage Services refuses to take any responsibility for their fiduciary responsibility failure and I am being financially penalized for their incompetence. The {$150.00} should be paid by PHH Mortgage Services as the bill had been presented to them in a timely manner for it to be paid.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We entered into an order in XX/XX/2015 that included all funds owed to the creditor PHH in bankruptcy court. The agreed amount was {$270000.00}. We constantly get statements that are incorrect. The most current statements shows an incorrect escrow and 6 missing payments although no one at the company will provide a payment history. We were told today that we needed a lawyer in order for them to speak with us. I have been interacting with them for years.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen/PHH have engaged in what I feel is predatory lending behaviors as well as harassment. I was XXXX XXXX XXXX for 8 months and I tried my best to pay and did pay in full on time for 7 months. My savings ran out, had to begin begging and borrowing to survive, then decided to request relief with my mortgage. I applied for a loan modification, was denied and offered a forbearance. The agreement stated that if I did not agree to this contract I would not be considered for a loan modification or any other assistance. The statements were very misleading because they stated " Trial Modification '' but was enacting as a forbearance. I complained to them and they put me on a trial modification. The last month of the modification i sent in the payment, on time, but they cancelled the modification.Please see the attached communications for details. These two companies have terrible customer service, such as lying on me ( see attachment # 3 ), each representative provides a different story ( see attachment # 3 ) and appears to be trying to ensure I lose my house.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of 2019 a mortgage was taken out in my name with PHH. I have never applied for a mortgage or refinance from this company. It would appear that my stepfather has taken this loan out in my name. I have never authorized or signed any documents pertaining to this loan. I have never spoken to anyone from this company and had it not been for my credit report, I would not have known that this loan existed. I can't find the loan number to even inquire about this loan. I can only find it by using my social security number and my stepfather 's address. Because of this, no one will speak to me regarding this loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was a couple payments behind and put in for a loan modification and they approved but the wanted to add another 30 years to the MORTGAGE .I have been making payments for the last 7 months and in XXXX they sent my payment back and had to put in for another loan modification. They also are putting anything toward principle. and saying I owe over 9,000.On there statement they have something saying prepaid principle over 7,000. So I have been making payments and there saying I haven't
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail. 3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return. 5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX. 7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX. 8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.
Company Response:
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2019, I XXXX XXXX was affected by the Government shutdown, I was laid off for a couple of weeks and at that time OCWEN MORTGAGE SERVICE, Was my mortgages company. They Requested that I fill out the application, for a loan modification. XX/XX/2019 in the same month, I apply for the loan modification my loan was transferred to PHH Mortgages service. Which is owned by OCWEN. PHH Mortgages service is debt collector company.I was told by OCWEN,,, NOT ... To make a payment, Until, they tell me. In XX/XX/2019. I was informed my loan modification was ... DENIED ... By PHH Mortgages Service. Once I was denied my loan modification, PHH Mortgages, They wanted all 7 payments at one time, For I can be CURRENT. On my mortgage.I explain to my Account Relationship manager : XXXX XXXX. I didn't have the money .I send in 1 payment .after that, That's, when Threatening started .About Foreclosure started. With the help of, FAMILY & FRIENDS we RAISE $ XXXX.Now I'M CURRENT.
Company Response: Company believes the complaint is the result of a misunderstanding
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: phh voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. please remove the unlawful lates. XXXX : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX XXXX Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. XXXX Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. XXXX XXXX XXXX :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A